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Personal Loans Online

Personal Loans Online

Personal loans are a quick solution for taking control of your financial situation in cases of short-term financial emergencies. A personal loan is sometimes an installment loan that is paid off in regularly scheduled payments over a period of several months (depending on the state you reside in and the lender) with interest and/or fees. This time range may be shorter or longer depending on the lender. You may be eligible to receive an online personal loan of up to $2,600 with MoneyKey. The loan amount you may be able to borrow will depend on your income, how frequently you’re paid, the maximum loan amount permitted by your state and other criteria. To view the loan amount available in your state, see our Rates & Terms Page.

Personal Loans for Bad Credit

Personal loans are not restricted to individuals with high credit scores or greater monthly income. As a direct lender, MoneyKey may be able to lend money to individuals with bad credit. If your loan applications have been turned down by large financial institutions due to bad credit, consider applying for a personal loan online with MoneyKey.

Quick Personal Loans Online

Financial emergencies are often sudden, unexpected, and require immediate or short-term payment. At MoneyKey, we understand the pressure you may be under to pay for a medical emergency, or finish an urgent home or car repair. Our goal is to provide you with the cash you need as quickly as possible in case of an emergency. If your personal loan application is approved, you may receive your money as early as the next day. Apply for a personal loan online or speak to a member of our Customer Care team!


What is the difference between an installment loan and a payday loan?

With both types of loans, if you’re approved you’ll be provided with the money you need to cover an unexpected emergency expense, with the main differences being the loan term of an installment loan versus a payday loan. The payment for a payday loan is typically due in a one-time lump sum payment on your next pay date, whereas with an installment loan with MoneyKey, you’ll repay your loan through a number of scheduled payments which are typically set up to land on your pay dates.

What is the difference between long-term installment loans and short-term installment loans?

Whether an installment loan is categorized as short or long-term is dependant on the loan amount and repayment term. If a personal loan is paid off within the span of a few months, they are generally considered to be short-term. You would typically use these loans to handle unexpected emergency expenses like medical bills or home maintenance when you don’t have the savings to cover it. The length of a long-term installment loan, such as a mortgage, is typically paid off over the course of 20 to 30 years depending on the loan amount and the repayment term. Unlike most short-term installment loans, long-terms loans are usually secured and require collateral.

What is the minimum credit score required for personal loans online with MoneyKey?

Applying for personal loans online from a direct lender may be a good option for people with poor credit. There may be no minimum credit score requirement. Some lenders will approve a loan if you have:

  • A regular source of income
  • An active bank account
  • Valid and active contact information

MoneyKey’s personal loans may be available to those with bad credit. Start your application today.

Is working with a direct lender the right option for me?

When you borrow from a direct lender, such as MoneyKey, the process of applying for a personal loan may be simple, quick, and safe. Your personal information will be protected, and the process of applying is typically straightforward.

Another benefit of working with a direct lender like MoneyKey is the quick application process. At MoneyKey, we understand the importance of speed when you’re dealing with an unexpected emergency expense. That’s why it only takes a few minutes to submit our online application, which is available for you to fill out 24 hours a day, 7 days a week. If approved, you may receive your funds as soon as the next business day.

Why choose personal loans online from MoneyKey?

MoneyKey has served more than 200,000 customers since 2011. There are several benefits in choosing us for personal loans online:

  • Our exceptional Customer Care representatives are available by phoneemail or online chat.
  • Our Customer Care team is here for you 7 days a week, including most holidays.
  • With our mobile app, you can apply for a loan and access your account from wherever you get service.
  • We protect your personal information in accordance with industry standards.

We encourage you to use our products and services responsibly.

We’ve helped over 400,000+ customers.Let us help you!

Not all applications are approved; duration of approval process may vary.

* If your loan is approved before 9:00 PM ET from Monday through Thursday, or before 6:30 PM ET Sunday, the funds will typically be deposited into your bank account the next business day, otherwise, your funds will be deposited into your bank account in two (2) business days. The date and time funds are made available to you are subject to your bank's policies.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page. MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO and/or CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey.

Reviews and any ratings referenced are based on TrustPilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.